Emirates Islamic Abu Dhabi Rewards Credit Card

The cost of living in the UAE, especially in popular emirates such as Dubai and Abu Dhabi, is pretty high. In fact, according to Numbeo, Abu Dhabi has a cost of living index of 62.71 and ranks on 193rd position out of 446 cities in the world in terms of cost of living. Here’s a piece of hard-hitting data: the cost of living for a family of four in Abu Dhabi, without rent, comes to around AED 10,561.13.

Given the high cost of living in Abu Dhabi, UAE, it is no wonder that Abu Dhabi residents are often seen looking for credit card to consolidate their expenses, make savings and earn maximum value for their hard-earned money. Remember, credit cards in the UAE region come packed with an extensive range of exciting rewards, exclusive benefits and cash back rewards.

With the intention of tapping into the relatively large pool of credit card users who look for and essentially demand credit cards specially designed to confer them with amazing benefits and rewards, UAE’s leading Islamic financial baking organization, Emirates Islamic Bank launched its Abu Dhabi Rewards Credit Card.

As the name suggests, Emirates Islamic Abu Dhabi Rewards Credit Card is specially designed to help the residents of Abu Dhabi earn rewards, discounts and benefits when shopping for their daily needs and luxury aspirations in Abu Dhabi. Since its launch, Emirates Islamic Abu Dhabi Rewards Credit Card has become a staple in the financial portfolio for a large number of Abu Dhabi residents.

About Emirates Islamic Abu Dhabi Rewards Credit Card

Launched in March 2014, Emirates Islamic Abu Dhabi Reward Credit Card has been specially designed and carefully conceptualized to meet the needs and wants of the credit card users in Abu Dhabi, UAE. The card has been designed by Emirates Islamic with an intention to help card members manage their day to day expenses, without having to run from pillar to post.

Choice Points has long been one of the most popular credit card rewards programs in the UAE and residents of the Abu Dhabi are often to be seen looking for easy access to Choice Points in order to enjoy multiple benefits, discounts and rewards.

Emirates Islamic Abu Dhabi Rewards Credit Card users earn Choice Points on every dirham they spend on the card. But what essentially makes this card even more special for Abu Dhabi residents is the fact that card users in Abu Dhabi get to earn Choice Points at an accelerated rate. This means that card users earn two Choice Points for every dirham they spend on their card. Emirates Islamic Abu Dhabi Rewards Credit Card users also get to redeem their accumulated Choice Points at a wide variety of merchant partners across categories and stores.

Among its many benefits, the Emirates Islamic Abu Dhabi Rewards Credit Card also enables card members to earn exciting dining, travel and shopping discounts through the ever-so-popular Mazaya Offers Platform. Card members may also exchange their points for Etihad Guest Miles or JetPrivilege Miles. In addition, users also get to convert their purchases into Easy Monthly Instalments as well as get 4 free supplementary cards for their family members, and much more.

Features of Emirates Islamic Abu Dhabi Rewards Credit Card

One of the UAE’s leading Islamic financial banking organizations, Emirates Islamic Bank came up with the feature loaded, Abu Dhabi Rewards Credit Card to serve its growing customer base in the emirate and provide them with exclusive benefits in their close vicinity. The wide range of ground-breaking features of this credit card makes it the top choice for the residents of Abu Dhabi. Let’s check out just some of the many unique features of Emirates Islamic Abu Dhabi Rewards Credit Card.

Choice Points Membership

Easy Payment Plan

Cash-on-Call

Cash Advance feature

Balance Transfer

Worldwide Acceptance

3D Secure

Fully Shari'a compliant

Benefits of Emirates Islamic Abu Dhabi Rewards Credit Card

Other than the manifold features, Emirates Islamic Abu Dhabi Rewards Credit Card also offers an extensive range of benefits to help the residents of Abu Dhabi enjoy exclusive benefits whenever they shop at retail outlets and stores within the emirate for their day-to-day needs and luxury needs. Let’s check out just some of the many benefits that Emirates Islamic Abu Dhabi Rewards Credit Card has on offer for its users:

Top Reasons to Get Emirates Islamic Abu Dhabi Rewards Credit Card

Card seekers in Abu Dhabi have no shortage of lures that invariably tempts into applying for the ever-so-popular Emirates Islamic Abu Dhabi Rewards Card. Some such lures are accelerated Choice Points rewards, exciting travel discounts, cash back offers, easy payment plan, exclusive Mazaya Offers and instant Choice Points redemption. In fact, Emirates Islamic Abu Dhabi Rewards Credit Card packs in some excuse for every type of card applicant, right from conservative spenders to luxury seekers. Let’s just look at some of the top reasons that lure a large number of people into getting Abu Dhabi Rewards Credit Card.

Choice Point Membership - Emirates Islamic Abu Dhabi Rewards Credit Card provides its users with an automatic enrolment into region’s best and highly sought-after Choice Points Rewards Program. In fact, Choice Points has long been the number one reason for most credit card applicants who apply for the Abu Dhabi Rewards Credit Card. The card enables card members to earn 2 Choice Points for every dirham spent on the credit card. The total points accrued on the card can later be redeemed against card annual fee, airline miles, entertainment, electronics, communication, leisure, jewellery stores and supermarkets in Abu Dhabi.

Easy Payment Plan - Emirates Islamic Abu Dhabi Rewards Credit Card also provides its card members with a zero percent interest when if they choose to convert their purchases into Easy Monthly Instalments. These profit-free Easy Payment Plans are available for tenure of 3, 6, 9 & 12 months. To convert the spends converted into Easy Monthly Instalments, card members can simply contact the Emirates Islamic customer support at 600599995 and provide the details of the transaction that they intend to convert.

Free Supplementary Cards- Emirates Islamic Abu Dhabi Rewards Credit Card also allows its card members to avail complementary, free supplementary cards for their eligible family members. Card members may avail as many as 4 free supplementary cards. These supplementary cards also get to earn 2 Choice Points every time 1 AED spend is put on them. In addition, these supplementary cards are also privy to the exclusive discounts and special privileges available for the primary card holder.

Mazaya Offers - Emirates Islamic Abu Dhabi Rewards Credit Card is also linked to one of the UAE’s most popular offers platform, Mazaya Offers. This popular offers platform allows Emirates Islamic Abu Dhabi Rewards Credit Card members to enjoy unlimited discounts on shopping, dining, entertainment and travel. Over the top, it is very easy to avail Mazaya discounts and card members can avail Mazaya discounts by simply their Abu Dhabi rewards cards at the billing counters of one of the many partner retailers or restaurants.

Worldwide Acceptance - Emirates Islamic Abu Dhabi Rewards Credit Card is not just accepted in Abu Dhabi, but is accepted worldwide. Card members can enjoy complimentary privileges and rewards not just in the UAE but also worldwide. The card is accepted at more than 1 million ATMs and over 30 million retail outlets worldwide. In addition, for spends worth 1 AED in non-AED currency is treated as an international spends and card holders get to earn 2 Choice Points for international spends.

For every 1 AED spent, Emirates Islamic Abu Dhabi Credit Card members get to earn 2 Choice Point. This means card members get to earn 2 Choice Point for every 1 AED spent on both international and domestic spends. The total number of Choice Points accrued on the Abu Dhabi Rewards Credit Card can be easily redeemed for travel, dining and shopping benefits at Carrefour, Etihad Guest, Marina Mall, Abu Dhabi Mall and Sharaf DG. Please be advised that card members only get to earn Choice Points for spends put on the card for up to the monthly credit limit assigned to the Abu Dhabi Rewards Credit Card.

2. Mazaya Rewards - Other than the much coveted Choice Points, Emirates Islamic Abu Dhabi Rewards Credit Card members also automatically qualify to enjoy unlimited benefits and multiple rewards offered by one of the UAE’s most popular offers platform, Mazaya Offers Platform. Powered by Mazaya Offers, Emirates Islamic Abu Dhabi Rewards Credit Card helps card members instantly get up to 30% discount on dining at hundreds of restaurants across the UAE. Also, card members can score amazing discounts and rewards when shopping at Mazaya partner retail outlets across the UAE. In addition, there are Mazaya travel benefits on offer too for Emirates Islamic Abu Dhabi Rewards Credit Card members.

How to Earn Rewards?

1. Choice Points - Redeeming Choice Points accrued on Emirates Islamic Abu Dhabi Rewards Credit Card is as easy as earning them. Card members have plenty of flexible redemption option for the accrued Choice Points. There are unlimited benefits, discounts and rewards for grabs for Abu Dhabi Rewards Credit Card members against their Choice Points. Some such options are gift vouchers from MAF, Beit Alkhair Society, Etisalat Wasel and airline miles from JetPrivilege and Etihad Guest. In addition, card members may also redeem their Choice Points against card annual fee, leisure & entertainment options, electronics & communication spends, or their spends at jewellery stores, shopping malls and supermarkets in Abu Dhabi.

Card members can redeem Choice Points for cash back vouchers. Below is the earning rate for redemption of voucher of 100 AED:

Retailer

Points per voucher of 100 AED

Cash Back

18000 points

Card members can redeem Choice Points for AED 100 gift card from a number of retailers including Beit Alkhair Society, Etisalat Wasel, MAF Gift Card. Below is the earning rate for redemption of 100 AED gift card:

Retailer

Points per voucher of 100 AED

MAF Gift Card

16,000 points

Etisalat Wasel

14,000 points

Beit Alkhair Society

12,000 points

Card members can exchange the accrued Choice Points for Etihad Guest Frequent Flyer Miles and JetPrivilege Miles. Below is the earning rate for Etihad Guest Miles and JP Miles.

How to Redeem Your Points?

Emirates Islamic Abu Dhabi Rewards Credit Card holders get access to flexible and easy Choice Points redemption options. In order to redeem the Choice Points, Abu Dhabi Rewards Credit Card members can simply visit their Online Banking account. Here’s how card members may redeem their Choice Points through online banking:

Login to ‘Online Banking’,

Click on ‘Cards’ tab,

Now, click on the ‘Choice Points’ link,

Then, select the 'Points Redemption' option, and,

Lastly, select the reward from the options available to be redeemed against the accrued Choice Points.

Those who do not wish to redeem their Choice Points online may also call up Emirates Islamic customer support centre and redeem their Choice Points.

Additional Information / Documentation

Applicants need to ensure some vital documents when applying for Emirates Islamic Abu Dhabi Rewards Credit Card. Here is a list of some such vital documents that card members need to have when applying for the Rewards Credit Card. Remember, this is not the final and binding list of documents required to apply for Emirates Islamic Abu Dhabi Rewards Credit Card and applicants may or may not be asked to furnish documents listed or not listed here.

Copy of passport

UAE Resident Visa

Emirates ID

Salary Certificates

3 month bank statement

Copy of credit card

Recent credit card statement

Residence proof

How to Apply For Emirates Islamic Abu Dhabi Rewards Credit Card ?

Whether one is looking to earn Choice Points, or save more with discounts deals, Emirates Islamic Abu Dhabi Rewards Credit Card leaves its card members sheer spoilt for choices. Policybazaar.ae is UAE’s leading credit card marketplace that helps credit card seekers compare different credit cards and choose the best card that fits their needs and wants. At Policybazaar.ae, it is easy to apply for Emirates Islamic Abu Dhabi Rewards Credit Card both online and offline.

Here’s how to apply for Emirates Islamic Abu Dhabi Credit Card:

Applying Online for Emirates Islamic Abu Dhabi Rewards Credit Card

In today’s time, it is very easy to get Emirates Islamic Abu Dhabi Rewards Credit Card if one meets the eligibility criteria of the card. Interested UAE residents can visit the Emirates Islamic Bank official portal and apply for Abu Dhabi Rewards Credit Card by simply filling out a few basic details such as complete name, email ID, phone number, monthly income, residence address of the applicant, etc. Upon successful submission of the credit card application, card applicants are contacted by Emirates Islamic Bank’s representative for further application process.

Applicants must carefully check the eligibility criteria before applying to improve their chances of approval.

Applicants must do well to check the fee structure, benefits and rewards associated with the card to see if it actually fits their requirements and needs.

Applying Offline for Emirates Islamic Abu Dhabi Rewards Credit Card

Card applicants who aren’t tech-savvy or comfortable providing their personal details online may visit one of the many official branches of Emirates Islamic Bank and apply for the card directly. At Emirates Islamic Bank, applicants will be required to fill up a simple form and submit it along with necessary documents.

For seasoned credit card applicants, applying for a credit card means much more than just filling up the application form. They carefully compare the intended credit card with other cards in the category to see if it’s the best fit for them. This is where UAE’s leading credit card marketplace - Policybazaar.ae comes to the rescue of new-age, discerning applicants.

At Policybazaar.ae:

1: Credit card applicants can compare different credit cards offered by the leading banks in the UAE. The platform allows card members to easily compare different credit cards on the basis of fee structure, benefits and rewards.

3: After careful comparison, applicants can choose to apply for their intended credit card directly at Policybazaar.ae by filling out a basic form.

With such a wide range of UAE’s best credit cards to compare and choose from, Policybazaar.ae makes the process of finding the right credit card utterly easy and convenient for credit card seekers in the UAE region.

FAQ's

Answer: Yes, Emirates Islamic Abu Dhabi Rewards Credit Card allows card members to withdraw cash from more than 780,000 ATMs around the world. However, there is a cash advance fee charged for withdrawing money using the credit card.

Answer: Yes! Card members can get up to 4 free, supplementary cards with Emirates Islamic Abu Dhabi Rewards Credit Card. Supplementary cards also earn the same benefits and advantage as the primary card.

Question 3: Is there an annual fee for this card?

Answer: Yes. There is an annual fee of AED 200 for Emirates Islamic Abu Dhabi Rewards Credit Card. However, the annual fee is waived off upon annual card spend on AED 5000.

Answer: The Emirates Islamic Abu Dhabi Rewards Credit Card is fully compliant with the Shari'a principles. The card does not charge any interest to customers. As such, the bank charges a fixed monthly fee for extending various features and benefits to customers.

*The information provided on this website/page is only for information sake. Policybazaar.ae does not in any form or manner endorse the information so provided on the website and strives to provide factual and unbiased information to customers to assist in making informed insurance choices.